Manba Finance has delivered strong financial performance in Q3FY26, demonstrating robust growth across key metrics during its earnings conference call held on January 30, 2026. The non-banking financial company reported significant expansion in its asset under management and maintained healthy profitability while strengthening its market position.

Strong Asset Growth and Disbursement Performance

The company's asset under management reached ₹1,631 crores as of December 31, 2025, reflecting a robust year-on-year growth of 25%. Total balance sheet size stood at ₹1,771 crores, underlining the company's expanding scale of operations.

The company achieved record-high disbursements of ₹746 crores for the nine-month period compared to ₹672 crores in the same period last year. Q3 alone witnessed season's highest disbursements of ₹347 crores, marking a 48.90% increase quarter-on-quarter.

Financial Performance and Profitability

Manba Finance reported quarterly net interest income of ₹42 crores, reflecting 17% year-on-year growth. For the nine-month period, net interest income reached ₹110 crores, representing 19% year-on-year growth supported by steady loan growth and improved funding efficiencies.

The company maintained healthy profitability with net interest margin at 12.65% supported by gross yield of 22.80%. Profit after tax for the nine-month period stood at ₹34 crores, marking a 15% increase year-on-year.

Asset Quality and Risk Management

Asset quality remained well controlled with gross NPA at 3.38% and net NPA at 2.57%. The company's credit costs remained stable with losses consistently below 1%, reaffirming the strength of its collection processes and underwriting quality.

Business Expansion and Strategic Initiatives

The company added 37,500 new customers during the quarter, taking the total live customer base to over 2 lakhs. Manba Finance operates across 113 locations in 6 states with a distribution network of over 1,400 dealers and a team of approximately 1,700 employees.

During the quarter, the company entered into a strategic MoU with TVS Motor Company, enabling deeper collaboration across the dealer ecosystem and enhancing reach in the three-wheeler financing segment. The company expects this partnership to contribute ₹250-300 crores in disbursements over 18-24 months.

Funding and Capital Position

The company's average cost of borrowing stands at 10.12%, which has gradually declined benefiting from improved credit rating and favorable market conditions. Capital adequacy ratio remained healthy at 25.06%, well above regulatory requirements. The company maintains funding relationships with 3 public sector banks, 10 private sector banks, and 23 NBFCs.

Manba Finance Limited has announced its quarterly earnings conference call to discuss Q3FY26 financial results and operational performance. The company has scheduled the investor interaction for January 30, 2026, following regulatory compliance requirements under SEBI listing obligations.

Conference Call Details

The earnings conference call has been organized to provide stakeholders with insights into the company's performance for the quarter ended December 31, 2025. Key details of the scheduled call are outlined below:

Management Participation

The conference call will feature senior management representatives who will present the company's financial performance and address investor queries:

• Mr. Manish Shah - Managing Director
• Mr. Jay Mota - Executive Director and Chief Financial Officer

Dial-in Information

Arihant Capital Markets Ltd has provided comprehensive access options for participants to join the earnings call:

Participants are advised to dial-in at least 5-10 minutes prior to the conference schedule to ensure timely connection to the call.

Regulatory Compliance

The earnings conference call announcement has been made in accordance with Regulation 30(6) read with Part A of Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company has formally notified both the National Stock Exchange of India Ltd and BSE Limited about the scheduled investor interaction.

Post-Call Documentation

Manba Finance Limited has indicated that the audio recording and transcript of the earnings conference call will be subsequently published on the company's official website. The company will provide appropriate intimation to the stock exchanges following the availability of these materials, ensuring transparency and accessibility for all stakeholders who may not be able to participate in the live session.